What routines should you pay attention to when buying insurance, and what routines you have seen in

I think that when buying insurance, you must first make an objective judgment on your own needs, and you can't be greedy for more, hoping that an insurance can not only meet the needs of protection but also meet the desire of financial management, which will often make you buy a bit of a chicken product.

The second is to distinguish who in the family should be the first to buy, and which risks should be transferred first. In life, many parents are running completely naked, but they buy a bunch of insurance for their children, thinking that if there is a problem with the person who pays the money, who will pay the insurance premiums, so the insurance should be bought for the person who earns more money at home first, etc., which will not be repeated.

Third, no matter how complicated the routine is, it is inseparable from the terms, and the terms are the terms that are bought when buying insurance, so the terms are better than the company's brand.

In short, many things can not be explained clearly in a few words, if you want to avoid pitfalls, find a professional insurance broker as your buyer.

Before buying insurance, you must recognize your actual needs and budget, and you must pay attention to the content of the policy to avoid unnecessary troubles in the future.

When buying insurance, you must not listen to the salesman's words, because he will exaggerate the publicity, and you must see the terms of the insurance clearly, so that the purchase is reliable.

High medical expenses are the number one risk for families.

How to save money by buying insurance for a new car.

It is very important to find a reliable ** person, and secondly, no matter how good it is, it should be subject to the terms of the contract, the exemption clause of the contract clause, insurance liability, and explanation of terms are all more critical, and finally respect the people of each profession, ask more questions, listen more, learn more, and do professional things.

To buy insurance, you can go to a regular insurance company to see the insurance coverage, the conditions for claims, how to sign the contract, and find a trustworthy insurance company.

"Sick claims, no sick return premiums" routine

Most people should have thought about this problem, that is, they paid the premium to buy insurance, if there is nothing to do, then the premium will not be paid in vain? I can't draw it when I think about it. As a result, the return-type insurance was launched, which has the reputation of "sick claims, non-sick return premiums".

Specifically, in the event of an accident or illness, you can get a claim; If there is no accident or illness, a certain percentage of the premium will be "refunded" when it is due. It sounds very good, but if you really buy it, you're done!

Return-type insurance has these pitfalls:

1) In order to attract policyholders, the higher premium-return insurance will use "return" as a selling point, but it will start withSide: Increase premiums and reduce protection costs。Generally speaking, the premium of a return-based plan is much higher than that of a pure protection plan.

2) Guaranteed less return insuranceThere are few protection items, maybe only a few or a dozen.

3) If the return income is low and there is no insurance, a certain percentage of the premium will be returned at maturity, but the return of the premium yield is actually very low, and after decades of "rolling profits", there has even been a depreciation. It can be seen from thisReturn-based insurance is very cost-effective, there is no comprehensive protection, and there is no considerable benefit, so it is best not to touch it.

The following routines should be noted when purchasing insurance:

1. The product stops selling, for insurance companies, the most common routine is that the product stops selling, and they usually say that the product is too good, causing the company to lose money and stop selling.

2.There is no such thing as perfect insurance. If one day the person tells you that his insurance is perfect, you can simply stop communicating with him.

3.Inflating income and coverage. Some salespeople will blindly exaggerate the coverage when comparing products, and say that this can be reimbursed, that can be reimbursed, and everything can be guaranteed.

4.In addition to exaggerating the benefits of protection, many people will deliberately exaggerate the income of financial management annuity insurance one-sidedly, packaging the product as a perfect financial management plan, which looks not only stable, but also high-income.

5.New product spikes are also common sales routines for insurance companies, such as double and limited-time spikes.

So be sure to pay attention when buying insurance:

1.Check basic personal information: When applying for insurance, you must check your name, ID number, mobile phone number, etc.

2.Read the terms of the insurance clearly: The terms of the insurance are very important, and the relationship is related to the coverage, liability, exemption part, and precautions of the insurance you bought.

3. Health status should be informed: If it is concealed in the health notice, once it is discovered by the insurance company, the insurance company can refuse the claim application on this ground.

4.Check the payment date, method, and insurance period: avoid missing the payment date and affecting the policy.

<> the routines to pay attention to when buying insurance are as follows:

1. Product discontinuation, for insurance companies, the most common routine is "product discontinuation", and their usual rhetoric is "because this product is too good, the company will lose money and stop selling".

2. There is no perfect insurance, if someone tells you that his insurance is perfect, you can directly stop communicating with him.

3. Exaggerate the benefits and coverage of insurance, some salespeople will blindly exaggerate the coverage when comparing products, saying that this can also be reimbursed and that can also be reimbursed, and everything can be guaranteed.

4. In addition to exaggerating the scope of protection, for financial annuity insurance, many people will also deliberately exaggerate the benefits one-sidedly, packaging the product as a perfect financial plan that seems to not only make steady profits but also bring high returns.

5. "New product spike" is also a common sales routine of insurance companies, for example, in Double 11,618, there is a limited-time spike.

So be sure to pay attention when buying insurance:

1. Check your basic personal information: When applying for insurance, you must check your name, ID number, mobile phone number, etc.

2. Read the insurance terms clearly: The insurance terms are very important, which are related to the coverage and responsibilities of the insurance you purchased, as well as the exemption part, claim precautions and so on.

3. Health status should be informed: If there is something to conceal when making health notices, once it is found by the insurance company later, the insurance company may refuse to apply for a claim on this ground.

4. Check the payment date, method, and insurance period: to avoid missing the payment date and causing the policy to be affected.

Yes, I must read the terms of the insurance clearly when I buy insurance, and now there are still a lot of insurance routines for the insurance team, and I need to pay attention to some unreasonable terms when buying, otherwise it is easy to get to.

Points to note when buying insurance:

1.Be honest with us. In particular, when applying for health insurance, it is generally necessary to inform the person who is being insured, and the person who is being called by the insurance must truthfully inform himself of the relevant situation and do not conceal it. In addition, the policyholder and the insured must also truthfully fill in the insurance policy and sign it in person;

2.Pay attention to the terms of the insurance. Including product introduction, insurance liability, exemption clauses and other terms and conditions in the insurance contract, the policyholder, the insured also need to carefully read and understand, if you do not understand, you should also communicate with the insurer or insurance broker in a timely manner;

3.Pay attention to shop around. When buying insurance, the policyholder and the insured can compare multiple insurance products in a list, write down the advantages and disadvantages, and choose the most cost-effective insurance product for insurance according to their actual protection needs;

4.Pay attention to the amount of premiums insured. When buying insurance, you should also pay attention to your own premium budget expenditure, and the premium expenditure should not have an impact on your family economy, and it is generally recommended that you can use one-tenth of your family's annual income as your premium budget.

On the premise that the premium budget is sufficient, the higher the sum insured, the more practical it will be, and it is generally recommended to use 5 to 10 times the annual family income as the sum insured;

5.Clarify your protection needs. When buying insurance, you also need to clarify your protection needs, plan reasonably, and not blindly follow, for example, if you are worried about suffering from a serious illness, then you can consider buying critical illness insurance and million medical insurance; If you are worried about accidents, then you can consider buying accident insurance; If you want to manage your finances and protect at the same time, then you can consider buying increased whole life insurance, annuity insurance, participating insurance, and universal insurance.

However, if you are applying for financial insurance, you also need to clarify how much money you need to pay and receive money, including how much you need to pay for insurance, how much money you can receive later, as well as the time and method of payment, and the conditions for receiving insurance money;

6.Pay attention to the waiting period. Generally speaking, there is no waiting period for accident protection, but there is generally a waiting period for illness protection, which is usually 30 days, 60 days, 90 days, and 180 days, and the specific number of days is subject to the insurance contract.

If an insured event occurs during the waiting period, the insurance company will not be liable for the claim.

Take you to uncover the common routines in the insurance industry and uncover the mystery.